Looking to buy my first home

Based on the information you provided you would be able to qualify for the mortgage. I .would like to further discuss this with you. My Company is licensed in every State. We issue pre-approvals the same day. Please contact me at 800-339-8582 if you would like to expedite this matter.

Hello, Based on the information you have provided you would qualify for a FHA loan putting 3.5% down and/or a Fannie Mae loan putting 10% down. You would most likely qualify for the first time home buyers credit of $8000.00. This would depend on what your husband shows as income. I would be happy to spend some time going over the differences of these two loans and give you information on how to ask the seller for credit toward all and/or some of your closing cost. You can look at which loan best fits your personal needs. I can have you pre-approved and ready to go for when you are ready to make an offer. Please feel free to contact me with any questions you may have. I would be happy to answer these for you. You can reach me at 707-837-2700 Ext. 212 and/or via email at cindyw@communitypacificmortgage.com. You can also view my website at www.cindyscommunity.com. Again, feel free to contact me with any questions. Have a great day.

You're in a great position to purchase a home today based on your good credit scores with 3.5% down payment. You new house payment should not be more than around 50% of your gross monthly income, before taxes. That income would be based on your w-2 income and your husbands tax returns. His income can be calculated from his schedule C income, after deductions. You can add back in equipment depreciation for his total income.Most loans today will allow you to qualify for the amount of income that you are paying taxes on. Whatever we can document on the tax returns, w-2's and paystubs can be counted.Let me know if I can assist you.Regards,Doug BullwinkelLenderSolutions.com